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FNB Loans Contact Details

Verified 16 September 2026Updated 4 October 2026Official source onlyIndependent directoryPublished by Silas T Nkoana, Cape TownReport a wrong number

The FNB loans contact number for existing personal loans and temporary loans is 087 730 5596, while new personal loan applications use 087 335 8630. Existing-loan queries can also be sent to personalloans@fnb.co.za. FNB Home Loans uses 087 730 11 44 or 087 730 11 55 and Homeloans@fnb.co.za, while business loan queries and applications use 087 736 2247.

FNB loans contact details at a glance

FNB loans departmentTelephoneHoursEmail
Loan Queries (existing loans), personal087 730 5596Mon to Fri 08:00 to 17:00; Sat and Sun 08:00 to 14:00personalloans@fnb.co.za
Loan Applications, personal087 335 8630Mon to Fri 08:00 to 16:30; Sat 08:30 to 12:00
Temporary Loans087 730 5596Mon to Fri 08:00 to 17:00; Sat and Sun 08:00 to 14:00
Home Loans087 730 11 44 or 087 730 11 55Mon to Fri 08:00 to 17:00; Sat and Sun 08:00 to 14:00Homeloans@fnb.co.za
Business loan queries and applications087 736 2247Mon to Fri 08:00 to 16:30; Sat 08:30 to 12:00personalloans@fnb.co.za (as listed)
Calling from outside South Africa+27 11 371 3711, then the 087 number

FNB separates its loan contacts according to the type of help required. The Loan Queries line is for existing personal loan queries and also handles Temporary Loans. Loan Applications has a separate number for new personal loan applications. Home Loans and business loans have their own department numbers.

FNB loans department for existing personal loans

For an existing FNB personal loan, use the Loan Queries number 087 730 5596. FNB lists this line for existing loan queries, including questions about the loan account, repayments or balance. It is open Monday to Friday 08:00 to 17:00 and Saturday and Sunday 08:00 to 14:00.

The email listed with the personal Loan Queries service is personalloans@fnb.co.za. The same telephone number, 087 730 5596, is also listed for Temporary Loans with the same operating hours.

FNB loan applications contact number

For a new personal loan application, FNB lists Loan Applications on 087 335 8630. The line operates Monday to Friday 08:00 to 16:30 and Saturday 08:30 to 12:00. FNB’s Personal Loan page also says you can contact 087 730 5596 to get a personal loan.

FNB says personal loan applications can also be made through the FNB App, through cellphone banking by dialling *120*321#, or through a Private Advisor. FNB personal loans go up to R450,000, with repayment terms of up to 72 months.

FNB Home Loans contact numbers and email

Home loan and bond queries go to FNB’s separate Home Loans department. The listed telephone numbers are 087 730 11 44 or 087 730 11 55, and the email address is Homeloans@fnb.co.za.

The Home Loans contact hours shown by FNB are Monday to Friday 08:00 to 17:00 and Saturday and Sunday 08:00 to 14:00. These contacts should be used for Home Loans rather than the personal Loan Applications number.

FNB business loan contact number

For FNB business loan queries and applications, the listed contact number is 087 736 2247. The hours are Monday to Friday 08:00 to 16:30 and Saturday 08:30 to 12:00.

The business loan row in FNB’s directory lists personalloans@fnb.co.za as the email address. It is reproduced here as listed rather than being changed to a different business banking address.

Calling the FNB loan department from outside South Africa

If you are outside South Africa, FNB’s listed route is to dial +27 11 371 3711 first and then enter the relevant 087 number when prompted. Use the specific 087 number for the loan department you need, such as personal Loan Queries, Loan Applications, Home Loans or business loans.

Who can apply for an FNB personal loan?

FNB says applicants must be 18 or older, permanently employed or self-employed, a permanent South African resident, and have their salary paid directly into their bank account.

For existing FNB customers, FNB says no documents are needed if the customer’s details are up to date. The requirements listed are a green barcoded ID or smart ID card, a stable income paid into the FNB account for at least 3 months, and proof of residence not older than 3 months.

If you are not an FNB customer, the listed requirements are your ID, proof of residence not older than 3 months, and proof of income. FNB specifies your latest 3 months’ payslips or bank statements, or an ITA34 or 3 months’ bank statements if you are self-employed.

FNB personal loan costs and features

  • Interest: a personalised fixed rate; up to 5% per month for short-term loans of 1 to 6 months, and between 15.15% and 28.00% per year for long-term loans, according to FNB’s page.
  • Early settlement: FNB says it charges no penalty for settling early or paying extra.
  • Take-a-break in January: a payment break every January for loans on terms over 6 months that are up to date.
  • Top up: add funds to your existing FNB personal loan instead of taking a new loan, avoiding another initiation fee of up to R1,207.50.
  • Credit life insurance: mandatory on long-term loans, through FNB’s Customer Protection Plan or a suitable policy you cede.

FNB’s example is a R30,000 loan over 24 months at 18% per year, repaid at an estimated R1,796 a month. The example includes a R69 monthly service fee, a R100 credit life premium and a R1,207.50 initiation fee, giving a total cost of credit of R41,445.

FNB also says the credit switch initiation fee is waived from 1 July 2026 if you consolidate other credit into an FNB personal loan.

Paying an FNB loan

FNB suggests keeping enough money in your account for the loan debit order and matching the debit order date to your salary date. Extra payments can be made by transfer or scheduled transfer on the FNB App, online banking or cellphone banking, or by deposit at an FNB ATM or branch.

FNB loan query escalation

If the Loan Queries service cannot resolve a problem, FNB says to call 087 575 9408 for general personal banking needs, or visit a branch using FNB’s branch locator on fnb.co.za. The Talk to Us directory listed under Sources sits in FNB’s complaints resolution section.

Frequently asked questions

What is the FNB loans contact number?

The main FNB loan contact for existing personal loans is 087 730 5596. For new personal loan applications, FNB lists 087 335 8630.

What is the FNB loans department email address?

For personal Loan Queries, the listed email address is personalloans@fnb.co.za. FNB Home Loans lists Homeloans@fnb.co.za.

What is the FNB business loan contact number?

FNB lists 087 736 2247 for business loan queries and applications. The listed hours are Monday to Friday 08:00 to 16:30 and Saturday 08:30 to 12:00.

Which number should I call to apply for an FNB personal loan?

FNB’s Loan Applications number is 087 335 8630. Its Personal Loan page also says you can call 087 730 5596 to get a personal loan.

Can I apply for an FNB loan using cellphone banking?

Yes. FNB says you can apply through cellphone banking by dialling *120*321#. Applications can also be made on the FNB App or through a Private Advisor.

Sources

  • FNB Talk to Us contact directory (Loans: Home Loans, Loan Queries, Loan Applications, Temporary Loans), fnb.co.za/complaints-resolution/talkToUs.html, read 16 September 2026
  • FNB Personal Loan page, fnb.co.za/loans/personal-loan.html, read 16 September 2026